Agriculture Sector

Solutions for Agriculture Businesses

The favorable climate & low-cost rural workforce make Albania a good investment potential in Agriculture. It contributes with 20% of Albanian GDP. Most of agro products are of good quality, offering competitive advantage for exports in Europe and abroad.

Banka Kombetare Tregtare is committed to help his customers grow and thrive in Agro Sector. For farmers and businesses involved in Farm and Green house production of vegetables, Fruits, Olives, Grapes, Medicinal Herbs, Seedlings and Mushrooms, processing of agriculture, livestock & aquaculture products and Agro tourism we offer financial solutions for your unique business challenges.

Our lending team has a deep understanding of agricultural lending. This expertise enables us to provide an unparalleled level of knowledge and service to our customers. We have the industry knowledge and expertise to help you navigate the seasonal cycles of your business and the growing season, and will work with you to customize financial solutions to meet your needs. We structure solutions on a case-by-case basis, so you can count on personalized underwriting and a level of customer care that you just won't find at the big banks.

• Producers or traders dealing in agricultural sector
• Agro processing
• Storage of agricultural products
• Individuals and businesses with income from agriculture, livestock, farming, viticulture, agricultural mechanics etc.

Our Tailor made financing solutions for MICRO and SME enterprises

• Agro Start up Loan

Loan Amount: 500,000 ALL-20,000,000 ALL
Payment Type: up to 20% of the loan can be withdrawn in Cash but less than 1,000,000 ALL
Maturity: 96 months – Seasonal Principal & Interest payments according to product lifecycle
Guarantee for loans up to 1,500,000 ALL: Personal Surety and 3rd party guarantee
Guarantee for loans above 1,500,000 ALL: 120% collateral coverage

• Agro Special Loan:

Loan Amount: 500,000 ALL-2,500,000 ALL
Payment Type: up to 100% of the loan can be withdrawn in Cash
Maturity: 60 months – Seasonal Principal & Interest payments according to product lifecycle
Guarantee: Personal Surety and 3rd party guarantee

• Agro Support Loan:

Loan Amount: 2,500,001 ALL- 7,500,000 ALL
Payment Type: up to 30% of the loan can be withdrawn in Cash
Maturity: 96 months – Seasonal Principal & Interest payments according to product lifecycle
Guarantee: 50% Real Estate mortgage + pledge, Personal Surety

• Agro Loan:

Loan Amount: 7,500,001 ALL- 25,000,000 ALL
Payment Type: up to 30% of the loan can be withdrawn in Cash
Maturity: 96 months – Seasonal Principal & Interest payments according to product lifecycle
Guarantee: 50% Real Estate mortgage, 20% pledge of equipment's

Loans in collaboration with Agriculture and Rural Development Agency (AZHBR).

BKT supports with financing entities operating in Agro Sector which are selected as beneficiary of the National Subsidiary Schemes from AZHBR. Through a fund approved by the Ministry of Agriculture, Food and Consumer Protection, with which BKT has been closely cooperating for years, is aimed to support investments in the field of agri-business, thus giving this sector of the economy a development opportunity with an appropriate funding scheme such as loan interest subsidiary or subsidiary of the investment undertaken.

Admission Criteria:

• The company must be registered in Albania.
• Private / Micro and Small Enterprise that carries out activities in the field of:
• Collection, storage and processing of agricultural, livestock and mushroom products.
• Agricultural tools, aggregates and coolant for milk.
• Fishing and processing of aquatic products.
• Agro and ecotourism activities

General Conditions:

• Loan amount to be included in the AZHBR program: Up to 25,000,000 Lek.
• Credit maturity: Up to 5 years in monthly installments.
• Collateral: Real estate mortgage / pledge of equipment or technology lines.
• The AZHBR Program makes subsidies up to 70% of the interest rate for 5 consecutive years.